Securing Quality of Life
	Are You Prepared to Meet Future Health Care Costs? Long-Term care insurance pays for the care you may need if you are no longer able to care for yourself independently. There are flexible coverage and premium payment options that allow you to tailor the policy and payments to your specific situation. Today’s policies offer a variety of optional features that can even include a return of premium rider for unused premium dollars. With people living longer and the cost of care on the rise, these policies offer the peace of mind knowing you will be able to afford the care you need.
	Have you Considered the effects of losing your income? Long-Term disability insurance is designed to replace a percentage of your gross income on a tax-free basis should a disability prevent you from earning and income in your occupation. If you are the primary wage earner, imagine for a minute what life would be like if that income were no longer there to support your household. With that image in mind, it should not be hard to envision the difference long-term disability could make in your ability to sustain you family’s quality of life.

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